Bank of Baroda Hpcl Energie Credit Card
Verified · September 1, 2026
4.5/5.0
Updated on September 1, 2026
🎖️Reward Rate
24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
Overview
HPCL Energie Credit Card by BOBCARD offers up to 5% savings on fuel and LPG purchases at HPCL outlets. Enjoy fuel rewards and tailored perks. Apply now!\n\n
Rewards
Reward Type
Reward Points
Reward Rate
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
Welcome Benefit
2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
Milestone Benefit
Annual fee waiver of ₹499 on spending ₹50,000 in the previous card anniversary year
Redemption
- • Redeem for HPCL Fuel purchases directly via HP Pay App (1 Point = ₹0.25)
- • Redeem against product catalog and e-gift vouchers on BOBCARD reward portal
- • Redeem as statement cashback credit (1 Point = ₹0.20)
Benefits
- Domestic Lounge: 4 visits per calendar year (1 per quarter) visits
- RuPay Credit on UPI Payments: Link your HPCL Energie credit card to BHIM, GPay, PhonePe, Paytm, and Kiwi for instant QR merchant payments.
- 25% Movie Discount on BookMyShow: Get 25% discount up to ₹100 on purchase of 2 movie tickets on BookMyShow twice a month.
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver at all HPCL pumps for transactions between ₹400 and ₹5,000.
Things to Know Before you apply
Bank of Baroda Hpcl Energie Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹3,60,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) |
Fee waiver: Spend ₹50,000 or more in the preceding billing year for 100% renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Best Credit Card for Fuel, HPCL Energie, HPCL Credit Card – BOBCARD issued by Bank of Baroda is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
Compare with Similar Cards
Rating
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Fee Details
Joining Fee
₹499
Annual/Renewal Fee
₹499
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
Reward/Cashback Rate
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
Pros
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions